城市专业化对中国保险市场发展的影响——基于中国省级面板数据

The Impacts of City Specialization on Chinese Insurance Market——Evidences from Chinese Provincial Panel Data

近年来，随着相同产业在同一城市中集聚，我国城市专业化水平获得显著提高，如何评估城市专业化对我国保险市场发展的影响，进而优化保险产业布局便成为我国保险业不得不面对的问题。本文在借鉴城市专业化度量指标的基础上，建立了衡量城市专业化与保险市场发展关系的面板回归模型，并运用2004年～2011年中国30个省面板数据进行回归分析。实证结果表明，产业专业化和职能专业化均能对保险市场发展产生显著影响，但是具体到寿险和非寿险市场，产业专业化能够显著影响寿险市场和非寿险市场的发展，而职能专业化对寿险市场和非寿险市场发展的影响则不能确定。

As the trend of industrial agglomeration intensified in recent years, Chinese cities are rapidly specialized in one industry or another. Therefore, it is important for us to assess the impacts of such specialization to the insur- ance market and to optimize the insurance industry＇ s layout. After constructing the city specialization indexes, this paper explored the relationship between city specialization and insurance market development through a panel mod- el, using panel data of 30 provinces during 2004 - 2011. It concluded that industrial specialization and functional specialization could both significantly affect the development of the insurance market. But if we looked at the im- pacts on life insurance market and non-life insurance market separately, the results were different. Industrial special- ization could significantly affect the development of the two insurance markets, but the impacts of functional speciali- zation on both markets were indeterminable.